Whether you’re a Baby Boomer getting ready to enroll in Medicare, already on a plan and trying to make sense of your coverage, or helping a parent through the process… you’re in the right place.
Medicare is health insurance provided by the federal government. For most people, it begins at 65, but it can also cover younger adults with certain disabilities or specific medical conditions. It’s been around since 1965, and it can help with costs like hospital care, doctor visits, outpatient services, and prescriptions. The tricky part is learning how the “parts” fit together—and figuring out what you actually need.
Below, you’ll find ToniSays.com articles and resources that break down Medicare into plain English, step-by-step.
Think Cost of Gasoline Has Increased? 2022 Medicare Premiums and Costs Are Ridiculous!! Hello Toni: I have recently enrolled in Medicare and received my 2022 Medicare and You handbook and cannot find what the 2022 Medicare costs will be? Do you have any idea what the...
Reader Alert!! Dangers of Changing Medicare Options with Telemarketers! Morning Toni: When I first got Medicare, I picked a Medicare supplement plan F. In 2019, I was approached by a telemarking phone call. He talked me into Medicare Supplement Plan K to save some...
Medicare Rule…No One Remembers! Dear Toni, Just a quick note to say that my mother had to go into the hospital this week with COVID that caused a urinary tract infection and pneumonia. She had slipped and bumped her head, but no concussion. Very weak, so we are...
Why Is Medicare Denying Paying for My Doctor Visit? Hello Toni: I have a $900 doctor bill with a new cardiologist and Medicare says they will not pay? I recently retired and enrolled in Medicare and a Medicare supplement for the freedom to pick my own doctor! This...
Medicare Tips for Baby Boomers Toni: I am a confused Baby Boomer who needs to make my Medicare decision in November when I turn 65. I do not know where to start or what to do? Can you please help simplify this ordeal? Thanks Janet from Atlanta, GA Janet: Do not feel...
Not Knowing Medicare Rules Costs Americans Millions! Toni: In 2019, we sold our house to move into a senior community. Now, both of our Part B premiums have increased drastically in 2021 from around $145 a month to over $475 for Part B and an additional increase for...
Why Did COBRA Cost Me $40K in Medical Expenses? Reader Alert: Many employer benefit group plans terminate the day you are no longer working full-time. Explore employer group medical plan rules and options with Medicare if you or your spouse are 65 or older....
Medicare and Traveling the US? Toni: I have retired effective 1 and now my wife and I are going to travel the US in the new Winnebago that is sitting in my driveway. I am having a hard time trying to sign up for Medicare since I turn 65 in and really do not know what...
Does Medicare Pay for A Gym Membership? Toni, Two of my neighbors told my wife that they get free gym membership through Medicare. Any truth to that, as I never heard about this before? Regards, Sammy from Sienna Hi there…Sammy: Sammy the answer is NO! Medicare Parts...
Cancer Treatment Not Covered By Employer Health Insurance… Help Toni! I have developed a rare form of cancer that requires the use of proton therapy and my problem is that my employer’s health insurance does not cover proton therapy. I must pay all the costs....
